Th 6, 03/02/2012, 14:08

Thuc sp ngm!
Tm ra k mnh, ngi yu, liu thuc th hai c NHNN k n: p dng v kim sot trit trn li sut, trn tng trng tn dng, khng h tr thanh khon trn lan, co bng. C hai thng ip c Ngn hng Nh nc (NHNN) pht i ang c gii ti chnh a vo tm ngm: trn li sut huy ng s c gi nguyn t nht cho n gia nm 2012 v c 58 ngn hng nh hp nht, sp nhp ngay trong qu 1. Vi trn li sut, cc ngn hng yu km tip tc gp kh khn v s kh hn trong huy ng vn. Qu trnh ti c cu ngn hng, v th, s din ra nhanh hn. NHNN t r s khng khoan nhng trong x l thanh khon nhng ngn hng yu km. Mt mt, vic thanh tra cc ngn hng c du hiu huy ng tin gi vt trn c y mnh trn din rng. Mt khc, c quan ny chnh thc tuyn b khng m bo cho cc khon vay m nhng ngn hng thiu lnh mnh vay trn th trng lin ngn hng v hin khng tr c. Ti khng nh hin c khong 10% cc t chc tn dng, 10% tnh theo th phn ngn hng, ang kh khn v ti chnh, kh vay trn th trng lin ngn hng. Tnh hnh ny i hi NHNN phi x l cc t chc thiu lnh mnh tr li s lnh mnh cho th trng - Thng c NHNN Nguyn Vn Bnh nhn mnh. S khng m bo cc khon vay ca t chc tn dng yu km t pha NHNN l mt n mnh nh vo tm l gii kinh doanh lin ngn hng. Cn nh vo thng 11-2011 khi ba ngn hng u tin tuyn b hp nht, lc y c vi ch n ku tri mt s khon vay lin ngn hng tr gi hn ngn t ng qu hn lu, m ngi vay khng tr. T thi im y, ti sn th chp khi vay vn lin ngn hng ca mt s t chc tn dng trong danh sch en c gii kinh doanh tin ngm hiu, khng nhng bt buc, m t l th chp cn tng ln. Chng hn th chp vng, ngoi t, tri phiu tr gi 100 ng, ch c vay ti a 70 ng. Yu cu ti sn th chp l bin php t v ca bn cho vay i vi nhng khch hng khng th tin tng. S t v lm cho dng chy vn trn th trng lin ngn hng co hp. C nhng ngn hng tha tin th gi tin trong kho, cn hn cho vay m khng i c. Vn, v tng th, nh vy, b kt mt vi ni no . S cng thng thanh khon hon ton khng phi do thiu vn, m l do vn phn b khng u. Chnh v vn khng thiu, NHNN c l do khng bm tin ra. o lng mc trm trng ca thanh khon, cn tnh ton c s thiu ht vn ca nhng ngn hng yu km. Chnh xc hn phi tnh ton c s dch chuyn vn t cc ngn hng thiu lnh mnh v cc ngn hng tt. Theo Cng ty Chng khon TPHCM, t thng 8 n cui thng 11 nm ngoi, s tin gi ca ton h thng ngn hng gim 4,4%, tng ng khong 100.000 t ng. iu ny c ngha t l gim ti cc ngn hng yu km cn ln hn. C ngn hng mc st gim ln ti vi chc phn trm. Ngay lp tc, vic cho vay gim v khng vn. Nhng quan trng l s vn thiu ht ch cn cch b p bng vay lin ngn hng. T trc n nay, cc khon vay lin ngn hng c tr v ng hn do thanh khon thiu ht mang tnh tm thi. Nay s tm thi bin

thnh mn tnh. Thanh khon thng sau khng nhng khng b cho thng trc, v tr khon vay thng trc, m khng cho chnh thng v d nhin cc khon vay lin ngn hng khng c ngun tr. Mt s quan st k lng cho thy t thng 8-2011 tr v trc, mi khi cc ngn hng yu km c vn v thanh khon, li sut lin ngn hng thng nhy nhanh v mnh. Cc ngn hng cho vay chp thi c, y li sut ln, bi h bit NHNN s can thip v li sut mau chng ngui li. Thc t ng nh vy. Tuy nhin, t thng 9-2011, NHNN thay i chin thut. Bt chp s ht hi thanh khon ca mt s t chc tn dng, NHNN khng can thip hoc can thip cm chng. Ban u mt s ngn hng cho vay ham li, cho li sut cao, cho n khi thy khng th i c tin cho vay, h co li. Tnh th xoay chuyn nhanh. Ngi di do vn quay sang giao dch vi nhng t chc ng tin, c uy tn. Cc ngn hng yu km b b lay lt trn th trng lin ngn hng, l bnh v bc ng cng phi xin ti cp vn ca NHNN. Thuc ng bt u tt! Liu th nht NHNN ct cn nghin tng trng tn dng v tng phng tin thanh ton cao. Mc tng tng phng tin thanh ton b ct gim mnh, nh hng ti ton h thng ngn hng ni ring, nn kinh t ni chung. Rt nhanh, nhng ngn hng khe mnh, c sc khng, xoay x kp, chng t ni lc ca mnh. Cng lc nhng ngn hng yu km l din. Tm ra k mnh, ngi yu, liu thuc th hai c NHNN k n: p dng v kim sot trit trn li sut, trn tng trng tn dng, khng h tr thanh khon trn lan, co bng. By gi chng ta ang ng trc mt thi im nhy cm, thi im thuc sp ngm! Nhng con bnh cm hi thi gian qua n lc cn c phu thut. Khi cng khai 5-8 ngn hng s ti c cu trong qu 1, hn NHNN c trong tay ng i nc bc r rng ca tng trng hp. C th thy t s hp nht SCB - Tn Ngha - Nht rng NHNN chng ho phng g. NHNN cha b trc tip mt ng no vo ngn hng mi SCB. Ch c BIDV h tr SCB 2.400 t ng nh ng Trn Bc H, Ch tch Hi ng qun tr BIDV, xc nhn. Cc ngn hng ti c cu phi t gng mnh v phn ln da vo cc ngn hng khe. Sp ti thanh khon ngn hng vo lc thuc ngm c th s cng thng hn nhng thi im cng thng va qua. Sau y s l s gng dy, phc hi. Ngnh ngn hng Vit Nam cn tr, s phc hi ca sc tr c th tin l vng chc. Theo Hi L TBKTSG